Terrence Howard is having a bad day … ’cause the actor has just been ordered to write a big, fat check to a woman he accused of being an evil racist … his wife.

Howard was in L.A. County Superior Court today to deal with his exceptionally nasty divorce from Michelle Ghent Howard … and was ordered to shell out more than $50,000 to hold her over until they hammer out a long-term arrangement.

Here’s the breakdown … the judge ruled that Michelle needs:
— $10k in temporary support for rent, food, etc.
— $20k so she can pay her lawyers
— $20k so she can pay her accountants
— and $1,800 per month for her Range Rover car payments

Terrence has to fork over the dough within 30 days.

As TMZ previously reported, Terrence HATES Michelle with a passion … claiming she often called him a “n**ger” … tried to extort him … and even threatened to have him killed by “The Russians.”